Variable Annuity Investment Options Overview - Pacific Life

[Pages:8]VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW

Total Net Fund Expenses and Similarly Managed Mutual Funds as of 4/1/23

The funds listed are investment options available with Pacific Life variable annuity products. This reference guide includes summary information only. See the applicable product and underlying fund prospectuses for more information.

U.S. FIXED-INCOME FUNDS

Variable Annuity Fund Name

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

American Funds? IS American High-Income TrustSM

0.80

American Funds? IS The Bond Fund of AmericaSM

0.70

American Funds? IS U.S. Government Securities FundSM

0.72

Fidelity? VIP Government Money Market Portfolio

0.33

Fidelity? VIP Strategic Income

0.91

Janus Henderson VIT Flexible Bond

0.82

JPMorgan Intermediate Bond

0.63

Lord Abbett Bond Debenture Portfolio VC

0.89

Lord Abbett Total Return Portfolio VC

0.71

Pacific Asset Management Core Income4

0.74

Pacific Asset Management Floating Rate Income4

0.91

Pacific Asset Management High Yield Bond4

0.63

PIMCO Inflation Managed

0.67

PIMCO Managed Bond

0.62

PIMCO VIT Income Portfolio

0.92

T. Rowe Price Short Duration Bond

0.63

Western Asset Management Diversified Bond

0.64

2/8/1984 1/2/1996

3/31/1987

4/1/1982 12/23/2003 9/13/1993 11/1/2021 12/3/2001 6/1/2010 5/1/2015 5/1/2013 1/2/1996 1/2/1996 5/1/2003 4/29/2016 5/1/2006 5/1/2006

American High-Income Trust? The Bond Fund of America?

U.S. Government Securities Fund?

Fidelity? Money Market Fund Fidelity? Strategic Income Fund Janus Henderson Flexible Bond JPMorgan Core Bond Fund Class I Lord Abbett Bond Debenture Fund Lord Abbett Total Return Pacific FundsSM Core Income Pacific FundsSM Floating Rate Income Pacific FundsSM High Income PIMCO Real Return Fund PIMCO Total Return Fund PIMCO Income Fund T. Rowe Price Short-Term Bond Fund Western Asset Core Plus Bond

Mutual Fund Ticker

AHITX

ABNDX

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

?

?

?

?

AMUSX

?

?

SPRXX

?

?

FSICX

?

?

JDFAX

?

?

WOBDX

?

?

LBNDX

?

?

LTRAX

?

?

PLIAX

?

?

PLFLX

?

?

PLAHX

?

?

PRTNX

?

?

PTTAX

?

?

PONAX

?

?

PRWBX

?

?

WAPAX

?

?

Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state.

No bank guarantee ? Not a deposit ? May lose value ? Not FDIC/NCUA insured ? Not insured by any federal government agency

VAC0218-0423W

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VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW

Total Net Fund Expenses and Similarly Managed Mutual Funds as of 4/1/23

NON-U.S. FIXED-INCOME FUNDS

Variable Annuity Fund Name

American Funds? IS Capital World Bond FundSM Principal Emerging Markets Debt Templeton Global Bond VIP Fund

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

1.00

10/4/2006 Capital World Bond Fund?

1.00

5/1/2012

Principal Finisterre Emerging Markets Total Return Bond Fund Class I

0.76

1/1/1992

Templeton Global Bond Fund

Mutual Fund Ticker

CWBFX

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

?

?

PFUMX

?

?

TPINX

?

?

U.S. EQUITY FUNDS

Variable Annuity Fund Name

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

Mutual Fund Ticker

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

AB Small-Cap Value

0.98

5/1/2003 AB Small Cap Value Portfolio

SCAVX

?

?

American Century Value

0.86

10/2/2000 American Century Large Company Value ALVSX

?

?

American Century VP Mid Cap Value

1.00

10/29/2004 American Century Mid Cap Value

ACLAX

?

?

American Funds? IS Growth FundSM

0.85

3/9/1987

The Growth Fund of America?

AGTHX

?

?

American Funds? IS Growth-Income FundSM

0.79

3/9/1987 The Investment Company of America? AIVSX

?

?

American Funds? IS Washington Mutual Investors FundSM 0.77

7/5/2001 Washington Mutual Investors FundSM

AWSHX

?

?

BlackRock Equity Index

0.27

1/2/1996 iShares S&P 500 Index Investor

BSPIX

?

?

BlackRock Large-Cap Growth

0.89

1/2/2001 BlackRock Capital Appreciation

MDFGX

?

?

BlackRock Small-Cap Index

0.54

1/4/1999

iShares Russell 2000 Small-Cap Index Investor

MDSKX

?

?

Boston Partners Mid-Cap Value

0.93

1/2/2009 John Hancock Disciplined Value Mid Cap JVMAX

?

?

ClearBridge Large-Cap Value

0.83

1/4/1999 ClearBridge Large-Cap Value Fund

SINAX

?

?

ClearBridge Variable Aggressive Growth Portfolio

1.08

11/1/1999 ClearBridge Aggressive Growth Fund SHRAX

?

?

Delaware Mid-Cap Growth

0.90

1/2/2001 Waddell & Reed Advisors New Concepts UNECX

?

?

Fidelity? VIP Contrafund?

0.85

1/3/1995

Fidelity? Contrafund? Fund

FCNTX

?

?

Franklin Rising Dividends VIP Fund

0.88

1/27/1992 Franklin Rising Dividends Fund

FRDPX

?

?

Franklin/BlackRock Small-Cap Equity

0.90

5/2/2005 None

N/A

?

?

Janus Focused Growth

0.95

10/2/2000 Janus Forty

JDCAX

?

?

JPMorgan Large-Cap Core

0.67

1/2/1996 JPMorgan U.S. Equity

JMUEX

?

?

JPMorgan Value Advantage

0.89

5/1/2013 JPMorgan Value Advantage Fund

JVAAX

?

?

MFS? Growth

0.77

1/2/1996

MFS? Growth Fund

MFEGX

?

?

MFS? Small-Cap Growth

0.84

4/17/1996 MFS? New Discovery Fund

MNDAX

?

?

Scout Investments Mid-Cap Equity

0.88

1/4/1999 Carillon Scout Mid Cap

UMBMX

?

?

T. Rowe Price Dividend Growth

0.87

1/3/2000 T. Rowe Price Dividend Growth

PRDGX

?

?

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VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW

Total Net Fund Expenses and Similarly Managed Mutual Funds as of 4/1/23

NON-U.S. EQUITY FUNDS

Variable Annuity Fund Name

American Funds? IS Capital World Growth and Income FundSM American Funds? IS Global Growth FundSM American Funds? IS Global Small Capitalization FundSM American Funds? IS International FundSM American Funds? IS International Growth and Income FundSM American Funds? IS New World Fund?

ClearBridge International Growth

FIAM LLC International Small-Cap Franklin Mutual Global Discovery VIP Fund Invesco Emerging Markets Invesco V.I. Global Fund Invesco Oppenheimer V.I. International Growth Fund MFS? International Large-Cap Wellington International Value

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

Mutual Fund Ticker

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

0.92

5/1/2006 Capital World Growth and Income Fund? CWGIX

?

?

0.92

4/30/1997 New Perspective Fund

ANWPX

?

?

1.15

4/30/1998 American Funds SMALLCAP World Fund? SMCWX

?

?

1.04

5/1/1990 EuroPacific Growth Fund?

AEPGX

?

?

1.03

11/18/2008 International Growth and Income FundSM IGAAX

?

?

1.07

6/17/1999 New World Fund?

NEWFX

?

?

1.04

11/1/2021

ClearBridge International Growth Fund Class I

LMGNX

?

?

1.09

5/1/2006 Fidelity? International Small Cap Fund

FISMX

?

?

1.23

11/8/1996 Mutual Global Discovery Fund

TEDIX

?

?

1.05

4/17/1996 Invesco Developing Markets Fund

ODMAX

?

?

1.03

11/12/1990 Invesco Global Fund

OPPAX

?

?

1.25

5/13/1992

Invesco Oppenheimer International Growth Fund

OIGAX

?

?

0.98

1/3/2000 MFS? Institutional International Equity Fund MIEIX

?

?

0.90

1/2/1996 Hartford International Value Fund

HILAX

?

?

ALTERNATIVE STRATEGIES FUNDS

Variable Annuity Fund Name

JPMorgan Hedged Equity Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio PIMCO VIT CommodityRealReturn? Strategy Portfolio VanEck VIP Global Resources Fund

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

0.90

5/3/2021 JPMorgan Hedged Equity Fund

1.06

5/1/2017

Neuberger Berman U.S. Equity Index PutWrite Strategy

1.03

6/30/2004

PIMCO VIT CommodityRealReturn? Strategy Fund

1.34

9/1/1989 VanEck Global Hard Assets Fund

Mutual Fund Ticker JHEQX

NUPAX

PCRAX

GHAAX

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

?

?

?

?

?

?

?

?

?

You can mix and match eligible investment options and qualify to purchase an optional benefit. Optional living benefits are available as long as the contract value is allocated according to the investment allocation requirements that the Company has in effect, which are subject to change.

Eligible for an optional lifetime withdrawal benefit.

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VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW

Total Net Fund Expenses and Similarly Managed Mutual Funds as of 4/1/23

SECTOR FUNDS

Variable Annuity Fund Name

BlackRock Health Sciences Delaware Ivy VIP Energy Invesco V.I. Global Real Estate Fund MFS? Technology MFS? VIT Utilities Series Principal Real Estate

DEFINED OUTCOME FUNDS

Variable Annuity Fund Name

Invesco? V.I. Nasdaq 100 Buffer Fund--March Invesco? V.I. S&P 500? Buffer Fund--March Invesco? V.I. Nasdaq 100 Buffer Fund--June (Launching July 1, 2022) Invesco? V.I. S&P 500? Buffer Fund--June (Launching July 1, 2022) Invesco? V.I. Nasdaq 100 Buffer Fund--September Invesco? V.I. S&P 500? Buffer Fund--September Invesco? V.I. Nasdaq 100 Buffer Fund-- December Invesco? V.I. Nasdaq 100 Buffer Fund-- December

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

1.13

1/2/2001

BlackRock Health Sciences Opportunities Portfolio

1.22

5/1/2006 Ivy Energy Fund

1.22

3/31/1998 Invesco Global Real Estate Fund

1.14

1/2/2001 MFS? Technology Fund

1.03

1/3/1995

MFS? Utilities Fund

0.98

1/4/1999 Principal Real Estate Securities

Mutual Fund Ticker

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

SHSAX

?

?

IEYAX

?

?

AGREX

?

?

MTCAX

?

?

MMUFX

?

?

PRRAX

?

?

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

0.95

4/1/2022 None

0.95

4/1/2022 None

0.95

7/1/2022 None

0.95

7/1/2022 None

0.95

10/1/2021 None

0.95

10/1/2021 None

0.95

1/3/2022 None

0.95

1/3/2022 None

Mutual Fund Ticker

N/A N/A

N/A

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

?

?

?

N/A

?

N/A

?

N/A

?

N/A

?

N/A

?

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VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW

Total Net Fund Expenses and Similarly Managed Mutual Funds as of 4/1/23

ASSET ALLOCATION/BALANCED FUNDS

Variable Annuity Fund Name

American Funds? IS Asset Allocation FundSM American Funds? IS Capital Income Builder? FundSM American Funds? IS Global Balanced FundSM American Funds? IS Managed Risk Asset Allocation FundSM Avantis Balanced Allocation BlackRock 60/40 Target Allocation ETF V.I. Fund BlackRock Global Allocation V.I. Fund Delaware Ivy VIP Asset Strategy Fidelity? VIP FundsManager? 60%5 First Trust Dorsey Wright Tactical Core Portfolio First Trust Multi Income Allocation Portfolio First Trust/Dow Jones Dividend & Income Allocation Portfolio Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. Balanced-Risk Allocation Fund Invesco V.I. Equity and Income Fund Janus Henderson VIT Balanced MFS? VIT Total Return Series PIMCO VIT All Asset Portfolio

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

0.80

8/1/1989 None

Mutual Fund Ticker

N/A

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

?

?

?

0.77

5/1/2014

Capital Income Builder?

CAIBX

?

?

1.01

5/2/2011 American Funds Global Balanced FundSM GBLAX

?

?

0.90

9/28/2012 None

N/A

?

?

?

0.64

5/1/2016 None

N/A

?

?

?

0.38

5/1/2014 None

N/A

?

?

1.00

3/24/1995 BlackRock Global Allocation Fund

MDLOX

?

?

?

0.87

5/1/1995

Ivy Asset Strategy Fund

WASAX

?

?

?

0.90

9/1/2007 None

N/A

?

?

?

1.30

10/30/2015 None

N/A

?

?

1.16

5/1/2014 None

N/A

?

?

1.19

5/1/2012 None

N/A

?

?

?

0.92

7/31/2007 None

N/A

?

?

?

0.72

5/1/1993

Franklin Income

FKINX

?

?

1.13

1/31/2009 Invesco Balanced-Risk Allocation Fund ABRZX

?

?

?

0.80

4/30/2003 Invesco Equity and Income Fund

ACEIX

?

?

0.86

9/13/1993 Janus Henderson Balanced Fund

JDBAX

?

?

?

0.86

1/3/1995

MFS? Total Return Fund

MSFRX

?

?

?

1.34

7/31/2002 PIMCO All Asset Fund

PASAX

?

?

(continued on next page)

You can mix and match eligible investment options and qualify to purchase an optional benefit. Optional living benefits are available as long as the contract value is allocated according to the investment allocation requirements that the Company has in effect, which are subject to change.

Eligible for an optional lifetime withdrawal benefit.

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VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW

Total Net Fund Expenses and Similarly Managed Mutual Funds as of 4/1/23

ASSET ALLOCATION/BALANCED FUNDS (continued)

Variable Annuity Fund Name

PLFA ESG Diversified PLFA ESG Diversified Growth PLFA Pacific Dynamix? Conservative-Growth6 PLFA Pacific Dynamix? Moderate-Growth6 PLFA Pacific Dynamix? Growth6

PLFA Portfolio Optimization Conservative PLFA Portfolio Optimization Moderate-Conservative PLFA Portfolio Optimization Moderate

PLFA Portfolio Optimization Growth PLFA Portfolio Optimization Aggressive-Growth State Street Total Return V.I.S. Fund

Net Fund Expense (%)1

Variable Annuity Illustration Date2

Similarly Managed Mutual Fund3

Mutual Fund Ticker

Product Availability

Pacific Choice?/ Pacific Pacific Odyssey? QuestSM

Pacific Choice? Income

0.82

5/3/2021 None

N/A

?

?

?

0.80

11/1/2021 None

N/A

?

?

0.59

5/1/2009 None

N/A

?

?

?

0.59

0.59

5/1/2009 5/1/2009

None None

N/A

?

?

?

N/A

?

?

0.82

5/1/2011

Pacific FundsSM Portfolio Optimization Conservative

POAAX

?

?

?

0.86

5/1/2011

Pacific FundsSM Portfolio Optimization Moderate-Conservative

POBAX

?

?

?

0.87

5/1/2011

Pacific FundsSM Portfolio Optimization Moderate

POCAX

?

?

?

0.91

5/1/2011

Pacific FundsSM Portfolio Optimization Growth

PODAX

?

?

0.96

5/1/2011

Pacific FundsSM Portfolio Optimization Aggressive-Growth

POEAX

?

?

0.92

7/31/1985 State Street Total Return V.I.S.

SSTIX

?

?

?

You can mix and match eligible investment options and qualify to purchase an optional benefit. Optional living benefits are available as long as the contract value is allocated according to the investment allocation requirements that the Company has in effect, which are subject to change.

Eligible for an optional lifetime withdrawal benefit. Additional allowable investment option for optional living benefit riders with a Rider Effective Date before May 1, 2012.

Additional allowable investment option for optional living benefit riders with a Rider Effective Date before January 1, 2009. Additional eligible investment option available only with Protected Investment Benefit optional benefit.

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VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW

Total Net Fund Expenses and Similarly Managed Mutual Funds as of 4/1/23

1Net operating expenses are as of the most recent prospectus date and are subject to change. These expenses are assessed annually as a percentage of each fund's average daily net assets. Net operating expenses reflect waivers, reductions, and reimbursements. The table does not reflect expenses and charges that are, or may be, imposed under the variable annuity contract. 2Variable Annuity Illustration Date refers to the earliest date a hypothetical illustration can be run on the variable annuity portfolio. Variable annuity illustrations can be run on the Financial Professionals website at . 3The money managers listed also may offer retail mutual funds. Although some funds may have names or investment goals that resemble retail mutual funds managed by the same money manager, these funds may not have the same underlying holdings as the retail mutual funds. Fees may vary between the variable annuity investment options and the similarly managed mutual funds. Investment results may be higher or lower. 4Subadvisor change from Pacific Asset Management to Aristotle Pacific is expected to be effective in the second quarter of 2023. 5Fidelity? VIP FundsManager? 60%: FMR Co., Inc (FMRC) has contractually agreed to waive 0.05% of each fund's management fee. This arrangement will remain in effect through April 30, 2023. In addition, Fidelity Management & Research Company (FMR) has contractually agreed to reimburse 0.10% of class-level expenses for Service Class and Service Class 2. This arrangement will remain in effect for at least one year from the effective date of the prospectus, and will remain in effect thereafter as long as Service Class and Service Class 2 continue to be sold to unaffiliated insurance companies. If Service Class and Service Class 2 are no longer sold to unaffiliated insurance companies, FMR, in its sole discretion, may discontinue the arrangement. 6PLFA Pacific Dynamix? Portfolios: Net expenses reflect a contractual expense cap in place through April 30, 2023. There is no guarantee that expenses will continue to be capped after that date. Does not include contract-level charges. A fund-of-funds involves direct expenses for each fund and indirect expenses for the underlying funds. The Russell 2000? Index and Russell 2000? Value Index (together, the "Indexes") are calculated by Russell or its agent, are trademarks of Frank Russell Company ("Russell"), and have been licensed for use by Pacific Select Fund ("PSF"). Neither Russell nor the London Stock Exchange Group companies (together the "Licensor Parties") sponsor, endorse, sell, or promote any portfolios of PSF, the content of this communication, or make any claim, prediction, warranty, or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Indexes, or (ii) the suitability of the Indexes for the purpose to which they are being put. The Licensor Parties do not and will not provide any financial or investment advice or recommendation in relation to the Index to Pacific Select Fund or its clients. The Licensor Parties do not accept any liability to any person for any errors or omissions in the Russell Indexes and are under no obligation to advise any person of any error therein. The "S&P 500? index" is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI"), and has been licensed for use by Pacific Life Insurance Company. Standard & Poor's? and S&P? are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones? is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). Pacific Life's product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500? index. The Invesco? V.I. Defined Outcome Funds are not sponsored, endorsed, sold, or promoted by the Nasdaq or its affiliates (Nasdaq, with its affiliates, are referred to as the "Corporations"). The Corporations have no liability in connection with the administration, marketing, or trading of the Invesco? V.I. Defined Outcome Funds. "Nasdaq?" is a registered trademark and is used under license.

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Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

This material must be preceded or accompanied by the product prospectus. Contact your financial professional or visit for more information, including product and underlying fund prospectuses that contain more complete information about Pacific Life and a variable annuity's risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. Read them carefully before investing.

Not all products or investment options available at all firms.

Variable annuities are long-term investments designed for retirement. The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost. Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59?, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce any optional benefits.

Pacific Life's variable annuity products offer a wide variety of variable investment options. Each variable investment option invests in a corresponding portfolio of the American Century Variable Portfolios, Inc., American Funds Insurance Series?, BlackRock? Variable Series Funds, Inc., Fidelity? Variable Insurance Products Funds, First Trust Variable Insurance Trust, Franklin Templeton Variable Insurance Products Trust, Invesco Variable Insurance Funds, Ivy Variable Insurance Portfolios, Janus Henderson Series, Legg Mason Partners Variable Equity Trust, Lord Abbett Series Fund, Inc., MFS? Variable Insurance Trust, Neuberger Berman Advisers Management Trust, Pacific Select Fund, PIMCO Variable Insurance Trust, State Street Variable Insurance Series Funds, Inc. or Van Eck VIP Trust.

American Century Investment Services, Inc., American Funds Distributors, Inc., Avantis Investors, Inc., BlackRock Distributors, Inc., Delaware Distributors, L.P., Fidelity Distributors Corporation, First Trust Portfolios, L.P., Franklin Distributors, LLC, Invesco Distributors, Inc., Janus Henderson Distributors LLC, Lord Abbett Distributor LLC, MFS Fund Distributors, Inc., Neuberger Bergman Management LLC, PIMCO Investments LLC, State Street Global Markets, LLC, Van Eck Securities Corporation, and the products each distributes are not affiliated with Pacific Life or Pacific Select Distributors, LLC.

Third-party trademarks and service marks are the property of their respective owners.

Protected Investment Benefit is named "Guaranteed Minimum Accumulation Benefit" in the contract rider.

Pacific Life Fund Advisors LLC (PLFA), a wholly owned subsidiary of Pacific Life Insurance Company, is the investment adviser to the Pacific Select Fund (PSF). PLFA directly manages certain PSF funds-of-funds.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Variable insurance products, as well as shares of the Pacific Select Fund, are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company, and are available through licensed third parties.

Contract Form Series: ICC12:10-1252, ICC20:10-1020, 10-17800, 10-178OR, ICC20:10-1025 Rider Series: ICC20:20-1355, 20-1354, 20-1355

State variations to contract form series and rider series may apply.

VAC0218-0423W

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